Hi guys want to sendoff for a SAR but from ha I understand, Morgan and Stanley is owned by Goldfish? Does anyone know whom I would write to for the SAR?

So lemme get this straight.... the banks are offering you compnesation for filing a default on your CRF.....but what is the reason that they have agreed to remove it? The dodgy DN or the fact that no agreement exists?

Coul someonme please let me know if the below edited version opf th template letter is specific enough for CCA's, Bank account statements and any charges added to my bank account also charges applied to credit card account PPI applied to any accounts and how much I have paid towards them, DNs Termination Notcies and NOAs.... The original signed, executed credit agreements and any terms and conditions that applied to the accounts at the time the accounts were opened, for the two loan accounts and credit card account. True copies of any notice of assignments and default notices or enforcement notice that you sent me, with a copy of any proof of postage that you hold, for all of the above accounts. Documents relating to any insurance added to the accounts, including the insurance contract and terms and conditions, dates they were added, also statements of amounts that I have paid towards the insurance contracts to date. Specific details of the fees/charges levied by you or any other agency in respect of these accounts and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied. Copies of statement for the entire duration of the accounts mentioned above. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed... Thanks guys x

Thnk u guys....... I do want every bit of infothey hold on me including statements PPI credit agreements DNs etc, so will edit the SAR to say specifially what it is I require, hopefully they should respond with the required info if not i shall be going to the ICO...x

Hi guys just wanted to find out what you make of this.... basidcally sent of for SAR to halifax for a number of accounts I hold with them, they wrote back to me saying they need to know exctly what I want even though I used the SAR template letter from this site... also they state that they are not obliged to supply records held i paper fromat if they do notform a relevant filing system.... are they correct in saying this? I was under the impression that they must supply me with absolutlry anything they hold about me...?

Hi guys just wanted to know what the worst case scenario is in waiting for a CCA to turn up?? I have sent off for mine, and am now at the account in dispute stage but am surprised to receive a number of letters saying statutory fee not receievd or request recived wating for client to forward your CCA to us, which are obviously delay tactics on part of DCA's... How long can it take from this stage to sort out any dispute or even receieve a CCA? I don't want to have my debts written off, but I would like to clear them as soon as possible, paying back an amount of 10% to each of my creditors...

Thanks JonCris...... Will be writing to them today x

I did it!!! Got a cheque this morning with DCA refundng all the money they took without permission!! Am so happy.....it's not a massive amount, but my own lil victory all the same.... thank u guys for all your advice on this, couldnt have one it without you CAG!! Now for the CCA's......!!

Thanks for the advise guys, will get in contact with my bank again and see what they do....

I recently sent SAR to HFC who have now changed their name to beneficial, the address I used is Data Controller HFC Bank limited North Street Winkfield Windsor Berkshire SL4 4TD

They did nothing!! They advised em that if I have given my card details to a company they will assume they have authority to take payment. Im not sure what to do as I mentioned earlier I have CCAd the DCA as well, so not sure if me requesting the money will have an affect on the enforceability of a debt whether there is a CCA or not?

no no help from TS

Ok guys have heard nothing from this DCA with regards to investigation and 21 days are now up.......but I have also CCA'd them and Im 99.9% sure they dnt have a CCA.....should I continue pressing them for the money they took from my account? Will they be able to use this against me in court if it gets to that stage?

Thanks Bbybear.....they also stated they will continue to report data to CRA's...... Im sure they are not allowed to do this?

Hi guys just wanted to find out if I am getting ahaead of myself here and if anyone else has been in the same boat.... Basically CCA'd all my creditors, never recieved a single CCA from any of them, so sent them the account in dispiute letter, I have a response here from one DCA who own my debt, but I dnt knw whether it is good news or not...... "We are following up your request for the origignal agreement and statement of account with our client. When these become available we will forward a copy to you. Whilst we may not be able to enforce the agreement, the monies remain outstanding. The agreement or any monies paid has not been made illegal or void because of our clients current failure to supply a copy of the original agreement". Any advice guys.....?

I hear what your saying, but I think I might just give them the benefit of the doubt and give them the 21 days they requested, esp since there's not much longer to go after which I will involve the police (if possible, as I see the money taken from me to be taken by fraud) the ICO, OFT and TS, basically I will go in all guns blazing!!

They certainly are maing life difficult, if I have to send a repeat request I shall definitely be using that address and CCing the original add I used... did u have info missing from your SAR I take it?

I would send it to Hillesden Recorded deliver but if Nolans are their solicitors, then maybe CC them into your letter including your original CCA request letter so they knw exctly whats going on from your point of view..... but hopefully someone more experienced will be along soon to advise further....x

Not sure but maybe romeshw meant 6 years...

Will do Kurvaface... Just a quick q tho, in their letter they advise me they will update me with he outcome of their investigation in 21 days, do I give them 21 workingdays, or just 21 normal dys?

What kind of business activity are they being investigated for? I have an ongoing dispute with them at the moment...

PT and UK....all I can say is congrats and a very well done to you guys xx

For the record I agree with you..... you seem to have misquoted me.

Thank you saintly1